USDC

amyo_b

This is far better than USDC or USDT if the reserves actually undergo monthly GAAP audits. Neither of those coins do, they just do attestations, which can be faked. If Fidelity does this it could easily emerge as the most trusted of stable coins.

_Commando_

I wonder how much gold USDC has, and also the US Gov...

alfaproject

I don't know Morpho, but in Nexos when you set up the loan, you need to select the repayment date, and depending on the date, there is a minimum and maximum price that the collateral is sold for. So for instance, you borrow 4000 USDC against ETH, and then I can select to pay it in 25th December of 2026 at a minimum of 1400 or maximum of 3000. It's explained in the article that I linked as well.

PirateSKB

Made around $2200ish on a trade recently and moved it to USDC before the dip happened. No real complaints I guess

annaopolis

I’ve been here since 2020 so yes I have. Enough to know selling at a loss never makes sense and you could simply accumulate more cash to reinvest at your next buy point and lose 0. Throw a recurring USDC buy on set a limit order and close your phone. Stop screwing yourself

pcm2a

I can only think of three reasons someone would put it in USDC or USDT. (1) They are moving between tokens or waiting to enter and aren't using an exchange where it could sit as insured cash. (2) They want to gain interest that is higher than HYSA and are willing to take a risk that the token collapsed and they lose it all. (3) Non U.S. countries may want to use it as a hedge against their countries inflation, if it worse.

csfrayer

Wouldn't it be for the same reason they'd move their cash to USDC or USDT that can freeze and monitor funds?

uthillygooth

USDC going to 2$ soon.

chanmalichanheyhey

swapped some XSGD for USDC on uniswap and its hanging for the longest of time.

Patient-Bumblebee

> Once that happens or if ever does it will be a Stable coin, USDC not some random shitcoin. While that may be true, agents still need yield. They still need lending. They still need hedging. These agents wont be interacting with legacy TradFi APi. They will be interacting with DeFi. DeFi is literally programmable money. It's extremely important for agents. And its poised for huge growth as agents become in charge of our transactions.

newyorker8786

Once that happens or if ever does it will be a Stable coin, USDC not some random shitcoin.. I’ve been in this space since 2016 there was so much hype for web3 now it fizzled.

Advanced-Summer1572

Yes, the partnership between Visa and Circle to settle transactions using USDC stablecoin on the Solana blockchain is active, with expanded availability planned through 2026. This pilot allows U.S. issuer and acquirer partners to settle financial obligations directly in USDC, increasing efficiency. Key Updates as of 2026: Visa/Circle Settlement: As of December 2025, Visa announced the launch of USDC settlement for U.S. partners, with broad availability planned throughout 2026. Expansion: The program supports faster funds movement on the Solana blockchain and integrates with Circle's upcoming "Arc" blockchain. Separate Initiative: Note that a different, unrelated "Visa Bond Pilot Program" for B-1/B-2 visas is also active from August 20, 2025, to August 5, 2026.

_Jimmy_Rustler

>USDC yield at Coinbase are well below most money markets. The ongoing debate about stablecoins isn't specific to coinbase. It's about all crypto including defi. Money markets do not come close to what is offered on defi.

gcbeehler5

When was the last time you had to pay your bank a monthly fee to get a higher yield? USDC yield at Coinbase are well below most money markets.

Banvincible

Largest institutional holders are mostly American, and the value is partially pegged to the dollar through things like USDC.

uncapchad

Well I've seen many claims of deadness again today but as the saying goes, they are greatly exaggerated. There's no reason for Bitcoin to die. No exchange collapsed, no-one ran off with all of Saylor's stash. No new bannings have come into effect. In fact today Binance announced it will gradually convert its entire $1 billion Secure Asset Fund for Users (SAFU) from USDC into Bitcoin over the next 30 days, completing the transition by February 29, 2026.

RefrigeratorLow1259

This simply means that Cardano is getting a superior implementation of USDC. USDCx removes the main barrier preventing institutional players from joining the DeFi space. Standard USDC on chains like Ethereum or Solana provides transparent, 1:1 USD-backed stability for DeFi, payments, and trading, but all transaction details (sender, receiver, amounts) are publicly visible on the blockchain. Institutions do not like this.

SilkenicDud

Hey, so that advice might be worth a shot. Usually, banks see transfers as safer than card payments, so they're less likely to block them. Just keep in mind it really depends on your bank. Some folks are good for ages, while others get flagged out of nowhere if their usual activity changes – even if everything's legit. Honestly, that random uncertainty is the real issue. You could be doing the same thing each month then suddenly get frozen with zero warning. That's why some folks split things up and go with something built for crypto instead of messing with old-school bank rules. I've heard people talk about blackcatcard. It’s an EU thing that’s got your own IBAN, crypto stuff built in (buying, selling, sending BTC, ETH, USDT, USDC) and a normal Mastercard for everyday buys. Having something like that along with your regular bank can cut down on the times you get a headache, mainly when transfers are in the mix

Aerocryptic

Quite tempted to swap a bit of my USDC for PAXG on this dip

PsychologicalBit803

I’ve been buying USDC daily over a year just waiting for this dip.

genghisquan420

Even Solana earning me 6.8% feels like a great return long term (staked since 2021), I couldn’t ever imagine feeling safe at 18%. USDC is larger than UST, but still; just because stable coins have “stable” in the name doesn’t mean they are stable. I had like 100 dollars in Terra (also 18-20% apy) for the fuck of it before the death spiral and it taught me a major lesson. People lost their life savings from the UST crash, everyone loves money but I prefer stability and long term growth over being greedy and risking it all. Owning stock, real estate, precious metals, a bit of crypto, and having liquid cash works great for me. Diversifying is the most simple fundament that people just ignore a lot of the time.

Electrical_Yam_2243

Thank you. My reading comprehension may be off.. But tether wants to keep their dreams alive - they are likely backed by brics so they have plenty of dumpster fire usd - so they keep their new world coin so they can price it against a dog shit coin backed by the us and the us dollar.  Though I doubt USDC really has intentions of backing it 1 to 1. It was simply another attempt to depeg tether from people who originally hated on bitcoin and company.  They don't realize that they can't beat semiconductors and math. I honestly believe semiconductors are here by design to help us push towards a more optimal life experience here on earth. Heven. Hell. Whatever yall wanna call it.. God gifted us this opportunity. And here comes our 80 year old politicians trying to still ruin our children's potential.. Then they will beg our children to bail them out.. Shooting for nothing but profits isn't Optimal.  Besides, Aliens told me that data is our most valuable form of exchange.  But only if the world trusts that data.  No one is going to care about our bitcoin if we suddenly all die 100 years from now... But they will care about our data 

Electrical_Yam_2243

The world is moving on... USDC will not be backed one to one with the US dollar.  Anyone who believes that is a moron.  I would never purchase any stable coin backed one to one with the US dollar.  I need my future to be backed by FUTURE NOT old politicians, old economies stuck in the industrial age, old obsolete near end of life currency like the Bolivar or us dollar...  Who is going to accept your stable coin if it's backed by a currency no one wants to use anymore? Are yall really this clueless? Tether isn't going to allow dump people like Trump to ruin their idea of future.  Our government doesn't belong here.  We do.. Our government doesn't create heaven on earth. We do. Thats why gid and I am here - to get rich by killing middle men with kindness.. maybe

Electrical_Yam_2243

It's because the world wants a real currency.  Tether is the transparent one. Your government is not. Only the biggest dumbass im the world would back any stable coin one to one with a failing and obsolete economy, fed, and US Dollar in the DIGITAL AGE. You are all mostly still bots, or incredibly uneducated. This is the world leaving the US dollar behind.  No intelligent GENIUS would back ANY stable coin with the Bolivar.. OR the US Dollar.  I told yall this when your US government was here attacking tether with bots and also attacking tether alongside the other dumbasses that push USDC. I'll take tether because it is ram by people smart enough to see the brilliance.. While the US government amd USDC creators were originally oblivious and didn't get it. That's because they are morons.. But now they wamt you to think they are smart for playing catch up. Nope. You're still a loser trying to force tether to die with the US Dollar.  The world moves forward and tether, or our new and much deserved forms of exchange will have to be backed by something greater than an obsolete currency stuck in the INDUSTRIAL AGE.  YALL STILL DON'T GET IT OR FUTURE

PhoenixJ3

"Consistently" after people gave up actually using the network for daily life in 2017, when the blocks were full and fees sky high; which would happen again if network usage rose. I watched it happen in real-time. Remember when Steam accepted BTC, but then stopped because fees got too high so people stopped buying games with it? The blocksize limit is either a grave mistake or a poison pill intended to keep BTC under control. Real digital cash users have moved on to coins like USDC/USDT, BCH, and XMR.

CantStopAddicted2

Make sure u are using Pro Mode or Pay for Coinbase subscription for less fees. Also I would Buy 200 of USDC and set a daily buy through the week using the 200 in usdc to catch the daily drops and Falls for a true DCA. Only buying once a week u could miss some big dips

Phine420

I farmed it back at 30c and sold it to compound, saw the run to 2.20$ back to 50c - 1.1$ and back down where we are now. Instead of selling I deposit it at Moonwell and borrow USDC against it

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Post is by: Mobile-Apartment4513 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qqdkeq/what_is_the_best_way_to_exchange_money_to_usdc/ Basically title. What is the best exchange? I want to then transfer it to my personal wallet. I tried buying from within the wallet but the only option with reasonable fees where limited to 300 EUR. I want to exchange about 1k to USDC. For later also what is the best way to exchange USDC to FIAT? I don't really care for whether it's EUR or USD but I feel like paying like 2% fees when exchanging money is a ripoff. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Shichroron

everyone can issue a stablecoin - non of that matter. What matter are the actual stablecoin that drive transaction (basically USDT + USDC) Also speed doesn't matter above a certain threshold. Eth is fast enough.

Positive_Research402

So yo udeposit from UK bank to Sling and there you withdraw USDC to exchange like coinbase ? And the bank doesn't stops transfers towards Sling ?

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Post is by: LuminousAviator and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qq9whf/kraken_just_quietly_removed_the_30k_usd_interest/ Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Act NOW by swapping non-USD denominated collateral into USD fiat!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

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Post is by: LuminousAviator and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qq9tzd/kraken_just_quietly_removed_the_30k_usd_interest/ Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Official Source:** [Kraken Support: Fees & charges for multi-collateral Derivatives](https://www.google.com/search?q=https://support.kraken.com/hc/en-us/articles/4844392809620-fees-charges-for-multi-collateral-derivatives) *(Scroll to the 'Interest' section to confirm the new 0 USD threshold and 0.005% hourly rate.)* **Act NOW by swapping non-USD denominated collateral into USD fiat!** *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

LuminousAviator

# Kraken just quietly removed the 30k USD interest buffer for futures. EU / Global traders are now being charged 44% APR on EUR / USDC collateral. Hey everyone, just a heads-up for anyone trading Multicollateral Futures especially in the EEA/EU but also for everyone else. Kraken just implemented a major change to how interest is charged on unrealized losses. **The Change:** The "interest-free buffer" for losing positions has been slashed from 30,000 USD to 0 USD. **Why this matters (especially for EUR / Stablecoin holders):** Kraken Futures settle in USD. If your trade is currently in the red (unrealized loss), Kraken considers that you "owe" them that USD value. * **If you have USD in your wallet:** No problem. * **If you only have EUR, EURC, USDC, USDG (or other cryptos) as collateral:** You are now technically borrowing the USD to cover that loss from the very first cent. **The Cost:** Kraken is charging **0.005% per hour** on that uncovered loss. That is roughly **43.8% APR.** **Example:** A 5,000 USD unrealized loss will cost you about 6.00 USD a day in "rent" just to keep the trade open, even if you have plenty of EUR, USDC, etc. in the account. **How to avoid it:** Make sure your **actual USD balance** (not USDC, not EUR, not crypto) is higher than your negative Unrealized PnL **inside your Futures wallet.** You can swap USDC/USDT/USDG to USD for a 0% fee inside the futures wallet to stop the bleed. **Official Source:** [Kraken Support: Fees & charges for multi-collateral Derivatives](https://www.google.com/search?q=https://support.kraken.com/hc/en-us/articles/4844392809620-fees-charges-for-multi-collateral-derivatives) *(Scroll to the 'Interest' section to confirm the new 0 USD threshold and 0.005% hourly rate.)* **Act NOW by swapping non-USD denominated collateral into USD fiat!**

IhaveaHawaiianshirt

I know the post got deleted but It seems like a good time to buy up some USDC at the current price. it should go up again in t he future, right... heh heh heh.. right...

them_oysters

USDC

TisWha

Use sling money. Deposit cash to app, withdraw USDC to exchange or dex, buy BTC. And you can increase your limits for a short period if you explain the situation. Best on/off ramp I’ve seen.

ripple_mcgee

Never heard of 'arc' chain. Looks like a highly centralized, permissioned chain launched by Circle, the issuers of USDC. I'm skeptical.

SufficientClock4059

Hi José Thanks for this! Really appreciate this insight! The work you're doing with Hope for Haiti and VIA is exactly the kind of ecosystem development that makes Stellar compelling for builders like us. Your point about stablecoins denominated in local currency is spot-on for our market. We anticipate strong demand for both a digital HTG and DOP. Are you seeing more local issuance ore synthetic digital local currencies that are actually USDC. We want to work with the local regulators (i.e. Haitian central bank) vs. the ask for forgiveness route. Would love to learn more about Stellar's regional initiatives and explore how Theo might align. Happy to share what we're building if useful; we've got our first major enterprise customer (a major importer) signed and are targeting March launch. Thanks again for the thoughtful response!

Player11Squared

Excited for this discussion and thanks for doing this! Quick question about real-world payment infrastructure: We're building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. We also want to issue new currencies on Theo as we launch in new countries. One technical question: As Stellar's smart contract ecosystem expands, what's the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar's low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure! Thanks again for doing this!

DBRiMatt

I just buy low, sell higher. It's crazy, but it works! Kidding aside, I use cow.fi for trading, set limit orders and have been swapping in and out ETH and USDC No technical analysis, minimal chart reading, and I'm not even kidding the amount of swing trades I've successfully made from "buying back after burgers dump" is beyond memeworthy. You can read more of my simple experiment in [r/EthTrader](https://np.reddit.com/r/ethtrader/comments/1qhyc2h/trader_tuesday_active_trading_vs_passive_gains_5/) I'm definitely not a professional, nor am I am full time trader, and I do not wish to be; but, If I can make a few bucks, then so can anyone! xD

ExtentOld2417

USDC currently pays 3.5% on Coinbase (believe you need to be at the $5/month subscription tier and I’m not sure if it’s the same in the UK, but…). So you could deposit monthly there and think of it as an HYSA until you’re ready to buy

Player11Squared

Excited for this discussion! Quick question about real-world payment infrastructure: We’re building Theo, a digital bank for the Haiti-DR-US corridor launching Q1 2026. Our first signed customer will process remittances and merchant payments using USDC on Stellar to serve unbanked populations. One technical question: As Stellar’s smart contract ecosystem expands, what’s the vision for compliance tooling? For cross-border payments serving underbanked communities, we need to balance financial inclusion with AML/KYC requirements. Are there developments in programmable compliance or regulatory adapters that could help fintechs navigate multi-jurisdiction requirements while maintaining Stellar’s low-cost advantage? Looking forward to learning how the ecosystem is evolving to support regulated payment infrastructure!

edmcryptodad

100% in USDC. It’s going to pump any day now! 🚀

Flashy-Potatoe-Queen

The USD is losing trust worldwide. With all the stupid shit Trump did, people looked for more safe currencies for their reserves. The potential shut down incoming is the final straw that devalued the dollar. Trump's plan from the beginning was to devalue the dollar to reduce the weightbof the debt, it's working. USDC is doing perfectly fine, it's just the asset it is pegged to (USD) that is getting demolished.

JOliverScott

When the US dollar is weakening people start turning to gold to hedge against the decline in the dollar's value. Why not do the same thing in crypto, shift from USDC to PAXG or XAUT which is the digital equivalent. 

dAn_tHe_mAn7

No it’s a USDC vs EURX question

Phine420

I love doing a fear and greed strategy on a Single Account. If you put in 100$ into aave or xlend/moonwell and FG ist at 30, I will deposit 70% crypto (either pure btc or eth Mixed in) and 30% EURC ( and then borrow USDC against it). Rinde and repeat

order-odonata

Something to note - the services that ripple provide mostly run on USDC…they aren’t even using their own token.

JustStopppingBye

Crypto hasn’t failed if banks are involved. That assumption only makes sense if your goal was bank replacement, which was a fairy tale pipe dream. Youre actually insane if you think banks were getting replaced lol If youre using USDC, its issued by a regulated entity, backed by US Treasury securities and bank deposits, accessed through crypto friendly banks and reliant on banks for on/off-ramps. Congratulations bro, you beat the system. Youre only proving that banks and crypto rails can work together.

destinationexmo

If what you describe happens, crypto has failed. But it won't the banks getting involved may act as a bridge but there is absolutely 0 fucking reasons someone would choose to use a bank over crypto if Crypto evolves to what it was always expected to be. I have already moved literally ever USD I had in my banks to USDC in crypto friendly banks because I earn way more interest. You know the thing banks are adamantly fighting against right now and why coinbase pulled their support for the CLARITY act? Because banks know there is little reason from clients to use them over stablecoins.

Own-Cartographer409

Bybit options UI is good since it allow USD base option trade. My protocol provides USDC base trade and better spread

Fit-Preparation-4536

CIRCLE (USDC) wouldn’t help us develop the ecosystem if we were Bitconneeeeectt. 😅

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Post is by: Necessary-Long-2953 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qoav7g/dropped_platform_fees_to_0_on_my_crypto_project/ Been building a donation platform on Ethereum as a solo dev. Started with a 1% fee. I'll be honest — I could spin some idealistic story about cutting out middlemen, but the real reason is simpler: I'm not here to make money off this. It's a side project, I have a day job, and I'd rather see the thing get used than squeeze pennies out of early adopters. Patreon takes 8-12%. Ko-fi takes 5%. If I ever need to monetize, there are ways to do it without taxing every donation. For now, 0% just makes sense. A platform that doesn't extract value from its users — isn't that what decentralization is supposed to be about? Also just added USDC and USDT support. The volatility criticism is fair — stablecoins fix that. Still early. The real barrier is that most audiences aren't crypto-native yet. But if you're a creator with a Web3 following, direct wallet donations with no platform cut is a better deal than anything else out there. Happy to share more about the build if anyone's interested. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Grand_Introduction_4

Circle is the first digital FULL reserve bank! Partnerships with Apple Pay and Google pay and visa making Transaction settlements instantaneous for them removing any trouble, extra cost due to lag time and archaic banking rules and functionality. It's the start of commercially acceptable defi in action (even if nobody knows it's happening). T bills are cash equivalent. They buy up all the t bills and just collect interest. The gov passed the genius act so they could backdoor open digital currency as acceptable cash equivalent without creating an official gov coin and scaring people. All already in the game get to stay in the game and keep their money. And as an added bonus all transactions and buying of USDC, dollar for dollar, are buying t bills loaning money to the gov to perpetuate the debt ( um... I mean pay if it off, same difference) 40 trillion. Am I wrong?

PirateSKB

Ehh not true, I took some good profit on XMR which made me a bunch of USDC and I held for like 3 years. My average for Eth and BTC are lower than current prices so if I sold I would still walk away with a profit (but they're amounts that i'm cool with the price dropping a bit, but I am down a bunch of thousands since last month, but i'm still content)

ProgressiveLogic4U

It is not as simple as you may think. Ripple, the company, will succeed spectacularly, but it is a private company, so there is no way to profit specifically from its success. Sad for us? Ripple's software and rails have been standardized and regulated for trillions of dollars worth of transactions. That seems pretty clear. But that is the software, not the token XRP. The software can use any digitized token to transfer value from here to there. Ripple, the company, seems to have no direct competitors at the highest levels of finance, which are Central Banks and BIS, the central bank of central banks. The issue with XRP is that it is just one token that is available for digitized finance to use. The emergence of all sorts of stablecoins has cluttered the market with tokens of value. These stablecoins are also stable, LOL, which businesses prefer over volatile tokens like BTC. XRP was not supposed to be super volatile like BTC. But stablecoins now offer exactly what big finance and businesses want: extremely stable values. Will the financial item backing stablecoins suffice as value? Will US bonds or gold backing a stablecoin serve as the preferred form of token for world finance? Will the world accept the USDC (the Dollar) as the world's currency in token form? Will Tether's USDT (US Treasuries) serve as the token vehicle of value? Will the BRICS Unit (40% gold-backed) be permanently adopted by some nations? All I can say is that Ripple is the only real competitor when it comes to regulated finance. Finance requires extreme dependability and accountability when transferring trillions of dollars. Ripple has developed the only rails that meet the extreme confidence required for the big money to participate. XRP is the neutral token with the default position for easy, secure use by financial institutions of any size. The XRP token was built for the Ripple environment and is managed by Ripple, reflecting major advantages over other tokens. By default, XRP can be used immediately with the Ripple rails. But Ripple can use other tokens, too. The use of XRP will be minimal for payments when transferring other tokenized coins. So it has to remain viable. XRP is not going away. So will XRP make you rich? That is becoming debatable with the adoption of stablecoins. But XRP is still the default token. Other tokens might fall out of favor. Does the financial world really want to depend on the dollar and debt like US Treasuries in the future? Is there even enough physical gold in the world to reflect hundreds of trillions of dollars in value? Tether can only buy so much gold, and Central banks can only buy so much gold, before there is no gold left to buy.

No-Pepper6969

Look if it would be cheaper to convert, withdraw and rebuy elsewhere. USDC is pretty cheap. I used it to withdraw 70$ off kraken because you couldn't for amount lower then 0.0001 btc. Barely cost me 1%.

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Post is by: CarolStaley and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qnai7r/defi_strategy_for_concentrated_lp/ Hi, I found a common strategy for concentrated LP which seems too good to be true. 1. Deposit $1000 USDC to Aave 2. Borrow $500 Weth from Aave 3. Open Uniswap LP (Range -10% to 10%) using borrowed $500 weth and another $500 usdc for 70% apy. 4. Total capital $1,500. 5. If out of range for 48hrs, just close all positions, repay weth and start all over again. 6. You will be earning LP fees while hedged. Any hidden risks assuming u actively monitor the position. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

All in all the major difference with the last bear market is the USD weakness. In 2022 my USDC was pumping against the EUR. This cycle PAXG was the stablecoin to pick

DBRiMatt

Ew. Tether. USDC for me!

No-Contribution9918

I suppose I should have said it *was* over-hyped. The hype for it died out, like many chains from the 2021 crypto boom. Just a lot of promises (scalability, Chainlink, Input Endorsers, rollups, BTC DeFi, USDC, Mamba, major Hydra applications...I could go on)/ Now, it has low usage, TVL, stables, fees/revenue, less dApps, virtually no RWA, etc.

DBRiMatt

I've used Cow.fi and had far more efficient trades then by just using Uniswap or Sushi.com for ETH/USDC trades. But for smaller tokens with less liquidity, I tend to just stick with a DEX like Sushi.com or others depending on the network.

Fluffy-Box9472

USDC to Hyperliquid and 3x Silver perp

Hatty_Hats

You've hit the classic "bridging nightmare" that scares people away from crypto. Don't feel dumb, the fact that you can accidentally create wallets you didn't know you had is a massive design flaw, not user error. When you "converted" to Polygon, you didn't convert. You bridged your USDC from Base to Polygon (two separate blockchains). Ramp generated a new Polygon wallet for you, and now your funds are split across chains.

aman_chamb

Hey, crypto yields crushing bank rates and sparking DC fights? Spot on—finally competing on real value, not just hype. Tips: - Weigh no FDIC vs. higher APYs; start small. - Diversify stables across audited protocols. - Track tax hits on earnings. - Blend with TradFi for safety net. Yieldseeker automates USDC on BASE as one DeFi option. Stablecoin setup?

Responsible_Gate6990

Solid start with BTC and ETH as your core. One thing to consider: keep some stablecoins (USDC) on the side and park them in DeFi lending (Morpho, Aave) for 4-6% while you wait for dips to buy. Beats having cash sitting at 0% in your bank.

Responsible_Gate6990

Banks are scared because DeFi already offers this. Morpho, Aave - 4-6% on USDC right now, non-custodial, no permission needed. The yield comes from real borrowing demand. No wonder they want to ban it.

Responsible_Gate6990

For stablecoins specifically, I keep it simple: Morpho or Aave on Base/Ethereum. 4-6% on USDC, non-custodial, battle-tested protocols with billions in TVL. The key metrics I track: real APY (not inflated by token rewards), smart contract risk (stick to audited protocols), and liquidity (can I withdraw anytime). DeFiLlama is good for comparing rates across protocols.

Responsible_Gate6990

Anyone else just parking stablecoins in Morpho/Aave and chilling? 4-6% on USDC, non-custodial, no drama. Boring but it works while we wait for the market to figure itself out.

Lolalamb224

100% they are already rolling out USDC in pilot programs in the US

aman_chamb

Hey, hot take on yield driving crypto's bull case? Spot on—it's pulling in that safe capital without the casino vibes. Tips: - Prioritize audited protocols for sustainable APYs. - Diversify across lending and treasuries to hedge risks. - Track real yields post-fees and IL. - Rebalance based on market shifts. Yieldseeker automates USDC yields on BASE as one hands-off option. Spec still king, or yield takeover?

aman_chamb

Hey, chasing self-custodial BTC yields without centralization? New Bitcoin DeFi protocols are popping up, but sustainability's key—most still involve some wrapping or L2 risks. Tips: - Explore audited BTC L2s like Stacks for native yields. - Weigh self-custody vs. minor compromises in liquidity. - Compare real APYs against HODL opportunity cost. - Diversify to stables for safer plays. Yieldseeker automates USDC yields on BASE as one alternative. Tried any BTC L2s?

aman_chamb

Hey, 27% in stables earning ~7%? Smart cushion—I've been burned without dry powder before. Tips: - Aim 20-30% for balance; adjust up in volatility. - Diversify sources to hedge platform risks. - Rebalance quarterly based on market vibes. - Factor in tax hits on yields. Yieldseeker automates USDC yields on BASE as one hands-off option. Your split details?

aman_chamb

Hey, yeah, fragmented yields across staking, lending, DeFi, and CEXs make risk assessment a nightmare—been there. Tips: - Spreadsheet it: Columns for real APY, risk score (e.g., 1-10), lock-ups, and stress scenarios. - Use DeFiLlama or Zapper for unified dashboards. - Compare via historical drawdowns to gauge volatility. - Diversify to cap overall exposure. Yieldseeker automates USDC yields on BASE as one hands-off option. Go-to spreadsheet template?

wacomlover

Well, first of all the real sender won't be me but a friend that want to send USDC to paypal. The target coin is USD. There are some reasons (At list in my mind because he haven't used this service yet): 1) In my country the amount of money I want to send (600$) is not triggering any alarms. So KYC doen't apply here 2) It appears like a simple friend transfer 3) The sender's country doesn't know it was Crypto -> FIAT transaction at a first glance.

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Post is by: SharkChampion54 and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qk181u/is_portalbridge_by_wormhole_safe_and_legit/ Hi! I have 5,000 dollars worth of USDC on the Polygon network, and chatGPT advised me to use "wormhole portalbridge" to swap my USDC for USDC on the Solana network. I should mention that I use Phantom Wallet. So, could I then directly swap my USDC on the Solana network for Solana using Phantom? I should also point out that I have never used a bridge before. So I am turning to you and your experience for help. I have seen some posts on Reddit were people were complaining about the site, so do you know of any other reliable sites for my situation? Thank you very much in advance. *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Aerocryptic

>USDC - doing shit I swapped the majority of my USDC to EURC and a bit of PAXG for this reason

DBRiMatt

Polygon - doing shit Pepe - doing shit USDC - doing shit

CoinGate

Last year, USDT was first and BTC 2nd. This year, USDC might rank higher as we have delisted USDT due to regulatory reasons.

CryptigoVespucci

lol - or 20% yield Terra staked on Anchor? Great product.... Would say USDC / Tether are a bittt different as you the yield is coming from treasuries, and not Su Tzhu borrowing obscene amounts of money to plow into shitters.

More_Stuff9731

Hi everyone, I’m stuck with some USDC on Polygon and I currently have zero MATIC for gas. Would anyone be kind enough to spare 0.02 MATIC so I can move my funds? I’ll gladly pay it forward once I’m unstuck. Thank you 🙏0xA1760f9099dAC35697E28813Dad63034cC734d54

5alzamt

USDC on Algorand. Lowest fee, 4s to finality, no price risk.

CyberCrud

In the past decade my USD have lost half its buying power.  Converting to USDC coin wouldn't change that.  In that same period, my silver has gone up 500% and my BTC has gone up like 900%.  Paired with USDC, that's still true.  Fiat is already dead.  We just don't know it yet.  They can print infinite amounts.  BTC is finite.  

Hena_Evore

Machines.cash lets you convert BTC or USDT into spendable balance through virtual Visa cards without exchange hopping. You deposit crypto once, create cards with spending limits, and use them anywhere Visa works. Settles in USDC with single-use deposit addresses to reduce wallet linkage.

CryptigoVespucci

Summarizing the main debate here via Claude since a lot of threads are saying the same things: **The debate in a nutshell:** **OP's thesis**: Stablecoins paying 4% are a better product than bank deposits paying 0.1%. The fact that banks are lobbying to ban stablecoin yields proves they're a competitive threat. **Main pushback #1 - "HYSAs exist"**: Multiple commenters pointed out they get 3-4% on FDIC-insured high-yield savings accounts, so stablecoins aren't needed. **OP's counter**: If HYSAs are so great, why do only 1 in 5 Americans use them? And why are banks scared of $6T in deposit flight to stablecoins if superior alternatives already exist? Banks don't fight HYSAs because they issue them - the money stays in the banking system. Stablecoins pull deposits out entirely. **Main pushback #2 - "Crypto is risky"**: Depegs, no FDIC insurance, could cause instability. **OP's counter**: USDC is 1:1 backed by treasuries, not an algo stablecoin like Luna. Different structural risk entirely. And the issuers are getting regulated at the federal level. **The real resolution**: One commenter noted the Fed wouldn't approve a 100% treasury-backed bank because the government prefers fractional reserve banking, where deposits get loaned out and $1 creates more economic activity. **OP's concession**: This is the real argument. Stablecoins at scale would pull deposits out of fractional reserve banking, making it more expensive to borrow, which hurts the economy. The question is whether consumers should subsidize that system by accepting 0.1% when market rates are 4%.

CryptigoVespucci

I use them as a replacement. I'm the minority, but that's not necessarily true. Definitely some risk, but as USDC and Coinbase/Circle get more regulated, the risk is mitigated.

Engineerofdata

USDC has de-pegged before and returned to normal. It’s a very solid stable coin.

CryptigoVespucci

Ok so the main pushback seems to be, 'I'm getting 3% insured by the government, so stablecoins aren't better.' If HYSAs are so great, why are only 1 in 5 Americans using them like you do? And why is the banking lobby claiming stablecoin yields would cause $6T in deposit flight - if obviously superior HYSAs already exist? Why hasn't that deposit flight already happened into HYSAs? Banks don't fight HYSAs because they issue them. The money stays in the banking system. Stablecoins pull deposits out entirely. That's what they're actually fighting. Then people say, 'But it's crypto and it's risky!' - USDC is issued by a public company, reserved 1:1 in cash and treasuries, and in the process of being federally regulated. Not without zero risk, but not Terra Luna either. So my main objection to "HYSAs are better" is that if that were the case, everyone would be in them, and the banks wouldn't be scared of deposit flight.

joshdrumsforfun

But USDC isn’t FDIC protected. Which means it is highly susceptible to the same types of problems that created the Great Depression. Additionally, the United States does not want to insure a crypto currency because there is a high probability it is a fad that will disappear in a few years and until it has some actual uses, it isn’t a safe investment to insure by the United States government.

CryptigoVespucci

"Banks are mainly worried that people will invest trillions into pixie dust and end up being scammed and destabilizing the US economy." This isn't what the lobby is saying though.... I agree, government should protect people from investing their money in pixie dust. But what I'm saying is USDC held on Coinbase is not that. Coinbase is a public company; USDC is backed by short term treasuries - pretty cut and dry. If USDC were pixie dust, banks wouldn't be spending millions lobbying to ban it. They'd let it fail on its own. They're lobbying against it because it's a competitive product - not because it's a scam.

Jabulon

isnt USDC slightly safer than USDT?

CryptigoVespucci

Thanks for the thoughtful comment. Honest question on HYSA: why don't more people do what you're doing? (only 18% in the US use HYSA). My best guess is that there is too much friction, and it takes a level of financial sophistication that most people don't have, but it's been hard to find a clear answer. Whereas, I think everyone getting more or less the risk-free-rate of return by default is an admirable goal, which USDC on Coinbase achieves so why block it? (deposit flight and destabilizing the credit markets seem to be the answer). Point being, regulation shouldn't be used to protect an incumbent's business model. Coinbase et al should be allowed to compete. To the rest of your comment, is blocking the bill on the yield issue worth it? I agree, it would be a massive set-back and put things on ice for years (and I shudder at the thought of what Elizabeth Warren will do if she gets back in power). On the other hand, hampering one of crypto's most effective products just to get a deal done feels like a major L as well. Definitely a tricky one. Fair point that Coinbase has a self-interest here - they keep the yield product if no bill passes. But that doesn't mean they're wrong. The question is whether the yield provision is important enough to hold the line on, and I think it is.

CryptigoVespucci

Sounds like you're French, and after doing some light reading on Livret A, the French regulate deposit yields so everyone can get access to 3%, which is great. Combined with government backing - sure, that's a better savings product then stables. But the US doesn't work the same way, so the majority of people get nothing. So in that sense, the post doesn't apply to you. Fair point on depegs! Putting your funds in an algo stablecoin like Luna certainly wasn't worth the risk, even for 20% yield. Is 4% yield for holding USDC on Coinbase worth the risk? I'd argue that USDC's backers (Circle & Coinbase) are increasingly being regulated like banks, as are the assets that underlie it... so the risk of "cratering in the blink of an eye" simply isn't there. Will submit that that risk is not the easiest for the average person to evaluate (which is what regulating stablecoins would mitigate against). Re: MSCI - sure, but you likely have a level of financial sophistication that the majority don't. The point is that yields should be baked into every deposit by default, with the average person not having to think too much about it (like in France 🇫🇷)

PirateSKB

Hm I got a few thousand in USDC to throw at something today. I should probably find something to buy to sell on a bounce

biba8163

> $TRUMP Coin is going to deliver an education to people who missed out enrolling at Trump University. **(Jan.18, 2025)** https://np.reddit.com/r/CryptoCurrency/comments/1i3uktp/daily_crypto_discussion_january_18_2025_gmt0/m7uhtzf > Reminder: **(Feb, 2025)** > - The Trumps have not put any of their money in crypto. They are collecting money including ETH, USDT, USDC, etc by selling WLFI tokens and also memecoins > - Donald Trump has bankrupted 6 casinos and now has made Ethereum his casino > - $WLFI is run Chase Herro Zachary Folkman who previously ranDough Finance a fork of AAVE that was hacked for $1.8M in July 2024 and went bankrupt. https://np.reddit.com/r/CryptoCurrency/comments/1ikp5qf/trumpbacked_world_liberty_financial_is_loading_up/mbogi7e/ **Education isn't cheap!** > just bought some trump. watched it go from $30 to $40 so fast. then bought some on the way down. https://np.reddit.com/r/CryptoCurrency/comments/1i4l3ol/daily_crypto_discussion_january_19_2025_gmt0/m7xflwn/?context=3 > $TRUMP to $100 https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcv0pfn/ > All aboard the $TRUMP train https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcx4t06/ > It’s good to know this community hates $TRUMP coin. Always inverse this sub is the golden rule. Trump to the moon 🚀🚀🚀 https://np.reddit.com/r/CryptoCurrency/comments/1iporry/daily_crypto_discussion_february_15_2025_gmt0/mcxyl1g > I told my sister I bought some $TRUMP yesterday. she wanted me to buy some for her too. so i just did. https://np.reddit.com/r/CryptoCurrency/comments/1i4l3ol/daily_crypto_discussion_january_19_2025_gmt0/m812na6/ > It’s the perfect currency. $TRUMP could be used for many applications like buying a Tesla if Elon pushes for it. https://np.reddit.com/r/OfficialTrumpCoin/comments/1iait25/since_this_is_a_memecoin/m9aia6n/

randomFrenchDeadbeat

Less fees, immediate transfer, no fraud risk. You cant directly exchange bitcoin with USD. There is no automated, unmanned system for that. But you can with USDC (or any other token basically). Note those transfers happen either on chain, which is a public and unchangeable record, or on centralised exchanges, which act exactly like a stock broker and reports everything to the tax administration. So no possible tax evasion or anything.

Beneficial-Hope68

“Keep in USDC until BTC touches 200W EMA → then go all-in into small top-100 alts (NIGHT, RNDR, LINK). Small capital = high risk. Bigger capital = safer assets.”

BlueChipCryptos

invest them in USDC 😁🚀

AutoModerator

Post is by: MDiffenbakh and the url/text [ ](https://goo.gl/GP6ppk)is: /r/CryptoMarkets/comments/1qhebiv/stablecoin_team_payouts_hitting_eur_rails_volume/ I've been running a small side project lately with contractors across EU who invoice in USDC from client work. Turning those stables into actual EUR for rent and bills has been rough. Regular banks treat crypto transfers like potential money laundering - constant source of funds emails, random holds, or outright blocks. The usual exchange plus bank wire path works once in a while but compliance flags kill repeat monthly flows for a team. Tried Revolut first - crypto on/off ramps exist but every USDC deposit triggers their risk filters, plus conversion spreads eat margins when doing team-sized volumes. Wise is great for clean EUR transfers but won't touch crypto inflows directly, so you're stuck bridging exchange withdrawals through regular banks anyway. Tested a few different fintech apps that handle crypto deposits straight to named IBAN accounts after that. Most had issues: swap spreads killing margins, EUR settlement taking 2-3 days despite instant SEPA promises, or endless re-verification loops per payout.​ Keytom's one I've been using lately - USDC goes direct, converts at a posted rate, EUR lands in your personal named IBAN same day. SEPA out works free and actually instant to any EU account. Not saying it's perfect or the only option, just finally found something that handles team crypto payroll without turning into a compliance nightmare. Still watching for long-term stability but beats juggling multiple services.​ How do you handle stablecoin client payments turning into usable EUR at volume? *I am a bot, and this action was performed automatically. Please [contact the moderators of this subreddit](/message/compose/?to=/r/CryptoMarkets) if you have any questions or concerns.*

Separate-Spot-8910

All I have right now is USDC earning almost 4% and my stress levels have gone down dramatically.